Timeframes

POS: Either of the following:

1. 120 days from the Network Processing Date of the Presentment, or
2. 120 days from one (1) of the below (whichever occurred first):
   1. From the expected date of receipt of the Goods and Services (for example, airline flight date or entertainment performance date), or
   2. From the date the Cardmember becomes aware that the expected Goods and Services would not be provided, not to exceed 540 days from the Network Processing Date of the First Presentment (for example, airline bankruptcy or entertainment performance cancellation)

SVDF: 120 days from the Network Processing Date of the Presentment for Transactions used to fund an SVDF where the funds were not loaded to the SVDF or only partially loaded.

ATM: Forty-five (45) days from the Network Processing Date of the Fulfillment Notification

Prior to sending the Chargeback, the Issuer must wait until:

• The expected date of delivery, or
• Fifteen (15) days from the Transaction Date if delivery is unscheduled, and within 120 days from the Network Processing Date of the Presentment, or
• Fifteen (15) days from the date of the attempted return, unless the 120-day filing limit would be exceeded, or
• If the S/E is no longer in business or if the Cardmember becomes aware that the expected Goods and Services would not be provided, the Issuer may file a Chargeback immediately.

Conditions

The Issuer must meet all the following conditions:

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